British pensioners use S1 forms (applied before moving) for free Spanish healthcare. Visitors under 90 days use GHIC cards (emergency only). Pre-retirement residents face a gap period requiring private insurance (€50-200/month). Private insurance supplements Spanish public healthcare. Understanding your coverage status before moving prevents healthcare disruptions.
Healthcare is perhaps the most anxiety-provoking aspect of moving to Spain for British nationals. The system is completely different from the NHS, rules changed post-Brexit, and timing is critical—miss one step and you're paying privately.
The good news: Spain has excellent healthcare at a fraction of UK costs. The challenge: Understanding which option applies to you and applying well in advance. This guide demystifies healthcare coverage for British nationals in Spain, from S1 forms through private insurance, ensuring you're never without coverage.
The S1 Form: The Pensioner's Key
GHIC Card: For Visitors and Short Stays
The Pre-Retirement Gap: A Critical Issue
Private Health Insurance in Spain
Spanish Public Healthcare System
Emergency Care, Dental, and Prescriptions
Healthcare Planning Checklist
The Bottom Line
Healthcare in Spain is accessible, affordable, and high-quality. The key is understanding which system applies to you and securing coverage before you move. Pensioners must obtain S1 forms pre-arrival, pre-retirement residents need private insurance for the gap period, and all visitors should understand GHIC's limitations.
Proper planning ensures you never face a healthcare gap and can enjoy Spain's excellent medical system. We help British buyers understand their healthcare options and connect them with Spanish healthcare specialists. Contact us to discuss healthcare coverage for your Spanish property ownership.